two years ago the obama health was started rolling out federal rules that affected everybody and they have pushed premiums across the country. for example no co-pays or deductibles for preventive care. there is no tooth fairy. of the insurance company has to pay the full cost of that colonoscopy or mammogram, you are going to pay a higher premium. adding children, adults children to their plans until they're 26 cluster premium. stuart: hold on a second. >> now some states, let me give you some examples, arizona, arkansas, idaho, iowa, oklahoma, ohio, virginia, that have customarily had premiums well below the national average are going to see their premiums double higher than 50%, even 100% increase and that is because the new federal rules that go into effect in 2014 will make those states follow the same rules that vermont, new york and new jersey already follow. stuart: as of 2014, 11 months -- >> guarantee issue. it means even if you are already sick the insurance company has to take you at the same price they take a perfectly healthy person. that is going to push up the premiums